Bank has an important role in the current economy in Indonesia that should receive
special attention from all parties, both public and of the government in this case
required the attention of the financial performance has been published . Results of the
study are used to rate the performance of the health of the bank . These financial
statements are analyzed to understand the numbers listed in it so it can be seen that
performance can be achieved from the bank's continued survival . By analyzing
several years of financial statements and contrasting each other , we can see the
ability of banks to increase the efficient management of the business from year to
year in achieving the goals set used tool of financial statement analysis in assessing
the performance of the bank and the government to assess the performance of the
bank in accordance with the standards established by the Indonesian bank CAMELS .
Based on the description above, the authors are interested in taking the title , "
Comparative Analysis of Financial Performance of Islamic Banks and
Conventional Banks ".
The research method used was a descriptive comparative research methods meunurut
Moh Nazir ( 2003:58 ) , descriptive comparative method is a type of descriptive
research seeking answers fundamentally based on cause and effect , by analyzing the
factors that cause the occurrence or appearance of a particular phenomenon . This
study aims to examine , compare and get empirical evidence about the differences
between the financial performance of Bank BRI Syariah and Bank BRI during the
period 2008-2012 . Data processing is done by analyzing financial ratios using the
CAMELS method comprising CAR , KAP , ROA , LDR.
Based on the results of two different tests showed that an average can be determined
based on significance , CAR significance of 0.000 < 0.05 , for KAP significance of
0.000 < 0.05 , for ROA significance of 0.028 < 0.05 and for LDR also significance of
0.046 < 0.05 . So are all less than 0.05, based on the significance of CAR , KAP ,
ROA and LDR everything Ho is rejected . Thus, it means there is a significant
difference between the performance of Bank BRI Syariah and Bank BRI conventional
methods based on CAMELS . The analysis conducted also show that the average
financial ratios Bank BRI ( CAR , KAP , ROA , and LDR ) is better than the Bank
BRI Syariah , while in others the ratio is lower BRI . However, when viewed as a
whole Bank BRI showed better performance than the Bank BRI Syariah . From the
data processing performance and Bank BRI Syariah BRI CAMELS analysis can be
seen from quite good , which has been set by Bank Indonesia. It can be concluded
that the two banks can be expressed in a healthy condition

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